panel.cor <- function(x, y, digits = 2, prefix = "", cex.cor, ...)
{
  usr <- par("usr"); on.exit(par(usr))
  par(usr = c(0, 1, 0, 1))
  r <-round(cor(x, y), 2)
  txt <- format(c(r, 0.123456789), digits = digits)[1]
  txt <- paste0(prefix, txt)
  if(missing(cex.cor)) cex.cor <- 0.8/strwidth(txt)
  text(0.5, 0.5, txt, cex =2)
}
